ALL Your Health Insurance Options in Florida
Most people who struggle with Obamacare costs aren’t aware of every popular plan. When you buy health insurance on your own, you have more choices than you’d think.Instantly Compare Your Health Insurance Options
Short-Term Health Insurance
Short-term health insurance is the most affordable health plan for most people. It lasts for up to 90 days at a time, but it doesn’t cover everything.
- Good For People who are moving, visiting the US, between jobs, students, or those who missed Obamacare deadlines.
- Not Good For Families, people who have recently had a serious illness.
- You can visit almost any doctor on most short-term plans.
- Short-term insurance covers the most common health issues, like injuries and illnesses.
- These plans generally aren’t affordable ways to take care of routine care on your own. You can’t get a short-term plan if you’ve recently had a serious health condition.
Start Your Search For Short-Term Plans
ACA / Obamacare / Major Medical Insurance
Most people include traditional health insurance plans in their search for healthcare. These plans can come from an employer, or you can join them on your own.
- Good For People with chronic health conditions; families; individuals with yearly income below $48,560.
- Not Good For People for whom 2023 ACA enrollment is closed.
These are the kind of plans where…
- You can choose from a network of doctors, but not any doctor.
- A private health insurer has already determined your monthly subscription fee (called a premium) and other payment guidelines, like deductibles and out-of-pocket limits.
- You don’t have to pay a tax penalty.
- Dependent children can stay on until their 26th birthday.
Learn If You Qualify for Obamacare Today
COBRA (If You’ve Left A Major Medical Plan)
COBRA coverage becomes available when you lose coverage from your job, or from your spouse’s job. COBRA is the rule that lets you stay on your employee health insurance plan after you leave. No matter the reason you lost job-based insurance, you almost always have the option to keep your plan using COBRA. You’ll need to call your insurance provider to get COBRA.
- Good For People who recently lost coverage, and have already spent money on their old plan.
- Not Good For Everyone else.
Faith-Based Healthcare / Christian Health Ministries / Health Shares
Unlike traditional health insurance, these plans do not “insure” people but rather “share” healthcare costs among a large group. After submitting your medical bill to the plan, fellow members will help pay the bill.
- Good For Religious folks, people who strategically save money on health plans.
- Not Good For Heathens, people worried about complex rules.
- Christian-oriented restrictions on coverage, like no birth control.
- Members can’t lose their membership even if they develop a medical condition.
- Pre-existing medical conditions are rarely covered.
- Child and family coverage depends on your plan.
Accident and Fixed Indemnity Plans
Forget about copayments and deductibles with fixed indemnity insurance. Fixed indemnity plans simply give you a set amount of money if you develop certain illnesses. They only cover the specific injuries or ailments that you choose. If this is your only insurance, it comes with a tax penalty.
- Good For People worried about specific health concerns; people who want extra coverage.
- Not Good For People who’ve already developed those health conditions.
How Can You Get Health Insurance?
It’s important to consider all your options, and not just the first one in front of you. HealthCare.com will connect you to an independent and locally-licensed insurance agent. They’ll fully explain your healthcare options, and compare your personalized plan choices right away.